1622 W 3rd St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1622 W 3rd St, Waterloo, IA 50701

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 1,249 sqft · built 1962
Lot Size	0.148 acres (6,426 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Jun 2026)
Tax Bill	$2,918 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8913-27-478-010`

Property Details

APN / Parcel Number

Primary APN	`8913-27-478-010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Building Area	1,249 sqft Total Area
1st Floor Area	1,249 sqft
Basement Area	1,249 sqft
Finished Basement	550 sqft
Unfinished Basement	1,249 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Duplex Single
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,426 sqft (0.148 acres)
Lot Dimensions	119 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	168 sqft
Patio Area	210 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1622 W 3RD ST
City	WATERLOO
State	IA
Zip	50701-2804
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HOME PARK ADDITION E 54 FT LOT 7 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	HOME PARK ADDITION
Legal Block	1
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3007
Census Tract	1400

Owner

1622 W 3rd St, a duplex, is owned and occupied by an individual who bought it in June 2026.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	1622 W 3RD ST, WATERLOO, IA 50701-2804
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
May 31, 2023	Legal Action/Court Order, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Deed Document Number	20269727
Prior Transfer Date	May 26, 2023
Prior Transfer Doc	0000016009
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 30, 2026
Property Address	1622 W 3RD ST, WATERLOO, IA 50701-2804
Document Number	0000009727
Instrument Date	Jun 19, 2026
Instrument	20269727
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,431.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1622 W 3RD ST, WATERLOO, IA 50701-2804
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009728,
Date	Jun 30, 2026
Instrument	20269728

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0000009729,
Date	Jun 30, 2026
Instrument	20269729

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Amount	Amount on Record
Term	7 Months
Due	Jul 1, 2033

Interest

Rate	6.36%
Max Rate	-1%

May 2023: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	May 31, 2023
Property Address	1622 W 3RD ST, WATERLOO, IA 50701-2804
Document Number	202300016009
Instrument Date	May 26, 2023
Instrument	202300016009
Transaction Type	Foreclosure
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1622 W 3RD ST, WATERLOO, IA 50701-2804

Tax Assessment & Valuation

The 2025 property tax bill for 1622 W 3rd St was $2,918 with a homeowner's exemption, up 6.7% from the year before.

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,918.00 (+6.73%) Homeowner's exemption	$177,440 Land $17,960 Building $159,480	$177,440 Land $17,960 Building $159,480
2024	$2,734.00
2023		$158,430 (+14.7%) Land $17,960 Building $140,470	$158,430 Land $17,960 Building $140,470
2022	$2,838.00 Homeowner's exemption	$138,130 Land $17,960 Building $120,170
2021			$138,130 Land $17,960 Building $120,170

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1622 W 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1622 W 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO WATER WORKS serves 69,504 people · EPA ID IA0790074
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 690 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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